Single Family Residence in Concourse Crossing, Fernandina Beach · No CDD · Built 2024
Concourse Crossing · Fernandina Beach, FL 32034 · Nassau
Listing data updated September 10, 2026 · refreshed twice daily
4Bedrooms
3Bathrooms
2,388Sq Ft
2024Year Built
$178Per Sq Ft
2-car garageNo CDD4 bedrooms
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
4% below
$/sq ft vs community
$178 here vs $186 median sold (12 mo)
Buyer leverage
Strong seller market
1.9-month supply
1.9 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of September 10, 2026, 95967 SURREY Place in Concourse Crossing, Fernandina Beach is listed at $425,000 (2,388 sq ft, about $178 per sq ft). It came to market within the past week. Listing facts: built in 2024, HOA dues of $81/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2024 · 2 yrs
2,388 sq ft of living area
2-car garage
Listed at $425,000 — recent neighborhood median sale price ~$432,000 (nearby sales; deemed reliable, not an appraisal)
Active listing
HOA $81/mo (per listing)
School district: HOA Not gated County Nassau County Florida Schools Nassau County SchoolsCommunity built 2022–2025Goffinsville Nassau River Park · 3 min driveThe Hidden Crab · 5 min driveEllianos Coffee · 5 min drive
Momentum Research · Concourse Crossing
Pricing & the Concourse Crossing market
How this home is priced against recent nearby sales, and where Concourse Crossing has been over 25 years. Momentum Research analysis of realMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Property timeline
This home’s history
2024BuiltPer public record
Sep 10, 2026First trackedObserved at $425,000
NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Financing
Estimated monthly payment
$2,728/mo
Principal & interest $2,196/mo81%
Taxes $333/mo12%
Insurance $118/mo4%
HOA $81/mo3%
$2,728/mo at 20% down, 30-yr @ 6.71% · edit any field to update.
Estimated from today’s asking price and current Nassau County tax rates.
⚠️
Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Current owner pays $5,300/yr ($442/mo)
-$325 more each year
(--6%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
Sources: Florida DOR certified tax roll (2025), realMLS. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
Momentum Scores
Momentum Property Score
53/100
Strongest on: Market liquidity (69), Price vs area (61)
0 limited50100 exceptional
53/100 is below average across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area61
This home $178/sq ft vs the community 12-month median $186/sq ft.
Affordability53
List price $425,000 vs the community median $432,000. Not a measure of personal affordability.
Market liquidity69
Community inventory, ~1.9 months of supply (12-month record).
Renovation upside30
From a 2024 build and $178/sq ft vs the community median $186/sq ft. Not a condition assessment.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟡 Asking $178 per square foot, about 4% below the community’s $186 median. Concourse Crossing’s 12-month median sold price per square foot is $186. MLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
32% of homes in Concourse Crossing are owner-occupied. An estimated 68% are non-owner-occupied, including 11% held in a company or trust and 19% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 111 homes matched. Community-level context.
What’s unique here: one of only 4 active listings in Concourse Crossing, no CDD assessment.
Updated September 10, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
OPTION TO PURCHASE FULLY FURNISHED AT NO ADDITIONAL CHARGE! Built in 2024 and gently used as a vacation home, this beautifully maintained 4-bedroom, 3-bath home offers 2,388 square feet in Concourse Crossing Phase 3. Located on a quiet cul-de-sac street with sidewalks, the home is zoned for desirable Fernandina Beach schools and is not located in a flood zone.
Inside, the open-concept living area features luxury vinyl plank flooring, custom lighting and an electric fireplace accented by shiplap. The kitchen is both stylish and functional with quartz countertops, white cabinetry enhanced with added hardware, a blue accent island and a spacious walk-in pantry. One bedroom and a full bath are conveniently located downstairs, providing a great option for guests, a home office or multigenerational living.
Upstairs, the primary suite includes a large walk-in closet and private bath with dual vanities and a walk-in shower. Two additional bedrooms and another full bath complete the second floor. Enjoy Florida living from the screened lanai overlooking the backyard.
The kitchen appliances, washer, dryer and water softener convey. With only one owner and limited use since completion, this home offers the feel of newer construction without the wait--and the optional furnishings make it truly move-in ready!
Description provided by WATSON REALTY CORP and reproduced from the MLS; not independently verified.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$425,000
Bed / bath4 / 3
Living area2,388 sq ft
Year built2024
Property typeSingle Family Residence
Garage2-car
MLS #2164121
Listing statusActive
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Windstorm exposureModerate
CountyNassau
Area listings4 active · 1 under contract
Estimated first-year tax~$3,995/yr
CDD assessmentNone on record
HOA (per listing)$81/mo
Calculated estimates
Price per sq ft$178
Estimated monthly payment$2,728
Insurance (illustrative)$1k–$2k/yr
Messtimate range$434,616 – $448,944
Comparable-sales median$432,000
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$434,616the mess$448,944
Actual list price: $425,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 3% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
Carrying costs & concessions — this home carries HOA dues of $81/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
And here's what the live market is doing — which the number above ignores entirely:
5 active listings competing, 1 under contract
≈1.9 months of supply
25 closed here in the last 12 months
For reference, this home is listed at $425,000 ($178/sq ft) — a number set with analysis a Messtimate can't do.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 2,388 sq ft × $182–$188/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 10, 2026.
Keep looking
Similar homes for sale near Concourse Crossing
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Listed for $425,000Momentum Realty · on market 0 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$3,995/yr
A rough first-year estimate only, applying a typical Nassau rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$1k–$2k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone not verified for this address — check msc.fema.gov and confirm coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
$81/mo
Covers the master association & common areas. Confirm exact dues and what they include.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
Not on record
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Seen enough photos?
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Listed by WATSON REALTY CORP · MLS # 2164121
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Market data · public records
Recent sales activity in Concourse Crossing
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the Concourse Crossing neighborhood guide for more.
Comparable sales found
6
Recent nearby closings in the data set.
Community median sale price
$432,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$186
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Concourse Crossing
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jul 2026 · Builder
Wildlight subdivision advances in Yulee as the master-planned community expands
Rayonier's Wildlight master-planned community continued adding residential phases in Yulee in mid-2026, part of a long-range plan that pairs new housing with its commerce park and town center near Interstate 95.
Why it matters: Ongoing residential expansion at a large master-planned community adds new supply and amenities in the Yulee area, which can influence pricing and competition for nearby communities. The site is about 11 miles northwest of Concourse Crossing.
First Wildlight Commerce Park speculative building opens in Yulee
The first speculative building at Wildlight Commerce Park opened in March 2026, adding move-in-ready industrial and flex space to Rayonier's Wildlight community in Nassau County near Interstate 95 and A1A.
Why it matters: New employment and commerce space at Wildlight strengthens the live-and-work profile of the Interstate 95 and A1A area in Nassau County, a factor that can support nearby residential demand. The site is about 11 miles northwest of Concourse Crossing.
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Winn Dixie 7 min
Dining
The Hidden Crab 5 min
Shopping
Villages of Amelia 7 min
Parks
Goffinsville Nassau River Park 3 min
Assigned schools
Assigned schools
Schools currently assigned to this address in Nassau County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
GRADEA
Yulee Elementary SchoolPublic Elementary, Nassau County · Nassau County School District · Grade A (Florida DOE 2025-26)
GRADEA
Yulee Middle SchoolPublic 6-8 · Nassau County School District · Grade A (Florida DOE 2025-26)
GRADEA
Yulee High SchoolPublic 9-12 · Nassau County School District · Grade A (Florida DOE 2025-26)
How it stacks up
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Sold May 2026
$449,990
95026 ROCKY Place, Fernandina Beach
4 / 3 bd/ba · 2,393 sq ft · $188/sq ft
Courtesy of FERNANDINA BEACH REALTY · View details →
Sold Aug 2026
$404,000
95238 KATHERINE Street, Fernandina Beach
4 / 3 bd/ba · 2,407 sq ft · $168/sq ft
Courtesy of 1 PERCENT LISTS FIRST COAST · View details →
Sold Jun 2026
$439,000
96277 BROADMOOR Road, Fernandina Beach
4 / 3 bd/ba · 2,407 sq ft · $182/sq ft
Courtesy of IRON VALLEY REAL ESTATE NORTH FLORIDA · View details →
Sold Mar 2026
$449,990
96461 STILLPOINT Way, Fernandina Beach
4 / 3 bd/ba · 2,407 sq ft · $187/sq ft
Courtesy of CENTURY COMMUNITIES OF FLORIDA · View details →
Sold Mar 2026
$425,000
95958 SURREY Place, Fernandina Beach
4 / 2.5 bd/ba · 2,285 sq ft · $186/sq ft
Courtesy of HERRON REAL ESTATE LLC · View details →
Sold Jul 2026
$420,000
95252 TERRIS Way, Fernandina Beach
4 / 2.5 bd/ba · 2,225 sq ft · $189/sq ft
Courtesy of FERNANDINA BEACH REALTY · View details →
Community 12-month median: $186/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$1,948 – $2,833/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.6%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$837 – −$41At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 95967 SURREY Place, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2024: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
HOA dues are listed at $81/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
Get a homeowners insurance quote for this specific address in Nassau County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 2,388 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $3,995/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
Confirm school zoning directly with the district.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
realMLS, refreshed twice daily (last: September 10, 2026)
Community market stats
realMLS closed sales, as of September 7, 2026
Flood zone & elevation
Not verified for this address — look it up at msc.fema.gov
Taxes & monthly cost
Estimated from county rates; not a quote
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 95967 SURREY Place and when was it built?
Per the listing record, 95967 SURREY Place was built in 2024 and has 2,388 sq ft of living area, 4 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 95967 SURREY Place in?
95967 SURREY Place is in Concourse Crossing in Fernandina Beach, Nassau County. The community section on this page shows recent closed sales, days on market, and active inventory for Concourse Crossing from the same MLS data.
Does 95967 SURREY Place have an HOA, and how much are the dues?
The listing reports HOA dues of $81 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 95967 SURREY Place differ from the current owner's?
The estimate on this page (about $3,995 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 95967 SURREY Place in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 95967 SURREY Place in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
